Effective Date: August 2, 2026
By accessing or using the Eternal Light Insurance website, you agree to be bound by these Terms of Service. If you do not agree, please do not use this website.
Eternal Light Insurance is a licensed insurance agency that helps individuals compare and apply for life insurance products, including final expense, term life, indexed universal life (IUL), and disability insurance. We are not a carrier and do not underwrite policies. All coverage is subject to carrier approval, underwriting guidelines, and state availability.
Submitting a quote request does not guarantee approval for any insurance product. Coverage decisions, rates, and policy terms are determined by the insurance carriers based on their underwriting criteria. Premium estimates provided on this site are for informational purposes only and are not binding quotes.
You agree to provide accurate, current, and complete information when using our quote request form. Providing false or misleading information may result in denial of coverage or policy voidance. You are responsible for keeping your information up to date.
Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.
All content on this website — including text, graphics, logos, and design — is the property of Eternal Light Insurance and may not be reproduced, distributed, or used without our written permission.
Eternal Light Insurance and its agents shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or reliance on any information provided. Insurance product availability, rates, and terms change and may vary by state.
This website may contain links to third-party websites (e.g., Calendly, carriers). We are not responsible for the content, privacy practices, or terms of those sites.
By providing your phone number and email address, you consent to receive communications from Eternal Light Insurance regarding your quote request and related services. You may opt out at any time by replying STOP to SMS messages or contacting us directly.
These Terms shall be governed by the laws of the State of Florida. Any disputes shall be resolved in the courts of Broward County, Florida.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the website after changes constitutes acceptance of the new Terms.
Eternal Light Insurance
Margate, FL
Email: ian@eternallightinsurance.com
Phone: (954) 695-7371